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Account In Dispute


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Our Mbna Card Is In Dispute As The Agreement Is Not Correct And We Have Been Advised To Stop Payments Given Our Financial Position This Would Help But I Am Worried About Stopping The Payments And The Hassle That Would Follow Has Anyone Any Views/advice

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hiya italy


so have you posted your agreement here im confused who has told you its unenforceable?


have you stopped paying them ? who has advised this?


have you looked at other mbna threads just for at least education purposes


if you wish to scan your document here too taking out your personal info then we can advice you further


laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)


my new motto is,,,",Taking back control of your life and home - such peace is priceless"


This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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  • 8 months later...

i wrote to mbna november 2008 as i was in difficulties. they refused to help saying had i considered a secured loan. so i have struggled through the year paying what is effectively over 2000 pounds to find that a year later i owe more and have high interest rates, the minimum payment does not cover the interest etc etc they ring continually and even asked my young daughter to pass them on to any family member!


i am sure i am not the only one but it makes me feel helpless. Reading the threads helps but i am so angry that they can get away with this. I just want to get straight but they are not interested

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You are not alone. They should not have suggested further borrowing to to clear your debt.


They are very unwilling to help anyone in dificulty.


Write to them telling them that you will only discuss the situation in writing, not over the phone as you are concerened with idendity theft. Stop speaking to them over the phone.


Then send off for a copy of your agreement.



MBNA Europe Bank Limited

P.O. Box 1004

Chester Business Park

Wrexham Road




xxxxxxxxxxxxxxxx 2009.


Dear Sir/Madam


Re account no xxxxxxxxxxxxxxxxxxxxxx


With reference to the alleged debt to your company, this letter is a formal request of true copy of a signed and dated credit agreement for the above account number, under the terms and conditions of section 78(1) of the CCA act 1974. I enclose the statutory maximum fee of £1.00


I expect you to comply fully and properly with this request, within the statutory time limit.


I enclose a postal order no xxxxxxxxxxxxx in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.


If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.


I look forward to hearing from you.


Yours faithfully

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